本文選題：中小企業(yè)　切入點(diǎn)：信息不對稱　出處：《北京交通大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：在我國目前中小企業(yè)無論是在促進(jìn)經(jīng)濟(jì)增長還是穩(wěn)定就業(yè)方面都起到重要作用。但是與中小企業(yè)蓬勃發(fā)展形成鮮明對比的是中小企業(yè)普遍融資困難。原因一是因?yàn)橹行∑髽I(yè)資產(chǎn)規(guī)模小,缺乏合格抵押物;二是中小企業(yè)抵御風(fēng)險(xiǎn)能力差。但是根本原因是銀行與企業(yè)之間的信息不對稱,中小企業(yè)大多財(cái)務(wù)制度不完善,銀行難以獲取企業(yè)信息對資金風(fēng)險(xiǎn)做出合理評估。銀行僅利用利率工具調(diào)節(jié)資金需求容易導(dǎo)致逆向選擇的發(fā)生,而企業(yè)獲得貸款之后缺乏必要監(jiān)管又容易出現(xiàn)道德風(fēng)險(xiǎn)。綜上分析,中小企業(yè)在融資過程中容易受到信貸配給。因此,要解決中小企業(yè)的融資困境,必須降低銀行與企業(yè)之間的信息不對稱。嘗試從信息獲取的角度分析緩解中小企業(yè)融資難題的可能性與條件。分析信息獲取如何緩解信貸配給,增加企業(yè)貸款可得性。最后結(jié)合具體的案例進(jìn)行分析,找出緩解中小企業(yè)融資的有效解決方法,并提出建議。通過對理論和具體案例的分析我們可以得出結(jié)論:緩解中小企業(yè)融資難題的關(guān)鍵在于降低企業(yè)與銀行之間的信息不對稱。為了降低銀行與企業(yè)之間的信息不對稱,銀行應(yīng)該在貸款之前對企業(yè)的信息進(jìn)行搜集,并對貸款之后的企業(yè)行為進(jìn)行有效的監(jiān)督,使得銀行與企業(yè)之間保持長期的密切合作關(guān)系。企業(yè)成為銀行的關(guān)系型客戶,提高了企業(yè)的貸款可得性。因此作為中小企業(yè)本身應(yīng)該主動向銀行披露相關(guān)信息,降低銀行信息獲取的成本從而降低自己的融資成本,達(dá)到雙贏的效果。
[Abstract]:At present, small and medium-sized enterprises play an important role in promoting economic growth or stabilizing employment in our country. But in sharp contrast to the flourishing development of small and medium-sized enterprises, the difficulties in financing are common for small and medium-sized enterprises. For small and medium-sized enterprises with small assets, Lack of qualified collateral; second, the ability of small and medium-sized enterprises to resist risks is poor. However, the fundamental reason is that the information between banks and enterprises is asymmetric, and most of the small and medium-sized enterprises have imperfect financial systems. It is difficult for banks to obtain enterprise information to make a reasonable assessment of capital risk. Banks only use interest rate tools to adjust capital demand, which can easily lead to adverse selection. However, the lack of necessary supervision and supervision of enterprises after obtaining loans is prone to moral hazard. In summary, SMEs are vulnerable to credit rationing in the process of financing. Therefore, to solve the financing dilemma of SMEs, It is necessary to reduce the information asymmetry between banks and enterprises, try to analyze the possibility and condition of alleviating the financing problems of SMEs from the angle of information acquisition, and analyze how access to information can ease credit rationing. Increase the availability of enterprise loans. Finally, combining with specific cases to analyze, find out the effective solution to alleviate the financing of small and medium-sized enterprises. Through the analysis of theory and specific cases, we can draw the conclusion that the key to alleviate the financing problem of SMEs lies in reducing the information asymmetry between enterprises and banks, in order to reduce the information asymmetry between banks and enterprises. The bank should collect the information of the enterprise before the loan, and supervise the behavior of the enterprise after the loan, so that the bank and the enterprise can maintain the long-term close cooperation relationship. The enterprise becomes the relationship customer of the bank. Therefore, as small and medium-sized enterprises themselves should actively disclose the relevant information to the bank, reduce the cost of obtaining bank information and reduce their own financing costs to achieve win-win results.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F276.3;F832.4

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本文編號：1650050